Queensland Comprehensive Car Insurance

Looking for car insurance in QLD? Find out what you need to know here.

Are you a Queenslander in need of a comprehensive car insurance policy? CANSTAR can help you with that! Our researchers help take the guesswork out of choosing a policy by rating QLD car insurance policies each year on price and features. Following in-depth analysis, CANSTAR awards five stars to the comprehensive car insurance policies that are judged to offer outstanding value to consumers.

In their most recent rating in May 2016, CANSTAR rated 50 QLD policies from 46 providers. You can view the star ratings for car insurance policies available in QLD for your age and gender by hitting the compare button below.

Average Cost of Comprehensive Car Insurance in QLD

Compared to the other states, Queenslanders enjoy some of the lower average premiums for comprehensive car insurance. CANSTAR research in May 2016 found that for new cars, car insurance was cheapest in Queensland for three out of the seven profiles assessed, beaten out by Tasmania in the other four. These three profiles were ‘family’, ‘under-25 female’ and ‘under-25 male’.

For older cars, average insurance premiums were cheapest in Queensland for five out of the seven profiles assessed. These profiles were ‘family’, ‘25-29 female’, ‘25-29 male’, ‘under-25 female’ and ‘under-male’.

Car Insurance for New Cars in QLD

According to CANSTAR research in May 2016, these are the average comprehensive car insurance premiums in QLD for a new car (registered in 2014 or more recently):

A comprehensive car insurance policy can give you the most peace of mind, but comprehensive coverage can vary between different providers. That’s why CANSTAR rates QLD policies on value as well as price.

Providers

In alphabetical order, these are the 46 car insurance providers that CANSTAR rates for QLD:

AI Insurance

Coles Insurance

OnePath

Allianz Australia

Commonwealth Bank

Over Fifty Insurance

ANZ

Dodo Insurance

Ozicare

AON

GE Money

People’s Choice Credit Union

APIA

Guild Insurance

Progressive Direct

Aust Seniors Insurance Agency

HBF Financial Services

QBE

Australia Post

HSBC

RACQ

Bendigo Bank

Hume Bank

Real Insurance

Bingle

ibuyeco

St.George Bank

BOQ

Just Car Insurance

Suncorp Bank

Budget Direct

Kmart Tyre & Auto Service

Virgin Money

BUPA Insurance

NAB

Westpac

cashback

National Seniors

Woolworths

CGU

NRMA Insurance

Youi

2016 QLD Award Winner – NRMA

The 2016 State Award Winner for QLD in CANSTAR’s 2016 Car Insurance Rating was NRMA. NRMA was judged as offering outstanding value across all the different star ratings profiles (e.g family, male 25-29 etc.) within QLD.

What do QLD drivers want in a car insurance policy?

Based on the thousands of searches on CANSTAR’s car insurance comparison table each year, our data demonstrates that QLD drivers really appreciate policies that allow them to pay monthly at no extra cost. With regards to after accident care, QLD drivers strongly value a free repair service in their policy.

Crash hotspots:

QLD roads experienced 168 fatalities over the year ending 11th September 2016. By region, this was where they took place:

Region

12 Months Ending 11 Sept 2016

North Queensland

35

Central Queensland

21

North Coast and Wide Bay/Burnett

46

Downs South West

21

Metropolitan

28

South Coast

17

Source: QLD Department of Transport and Main Roads

QLD Car Crime Statistics

The price of your car insurance premium in QLD can be influenced by things such as crime rates. For example, if your suburb has a high number of car thefts, insurers are likely to take this into account to your detriment.

If your suburb is letting you down in that respect, don’t forget that car insurers also consider preventative measures which can lower your premium, such as:

Parking your car in a garage rather than on the street

Additional security features (e.g. a car alarm)

QLD Car Theft

According to the National Motor Vehicle Theft Reduction Council, there were 8,723 car thefts in QLD over the year ending March 2016. This made up 16.4 percent of the national total (53,110). Remarkably, this was the same proportion as the year prior, when this 16.4 percent represented 8,256 QLD car thefts out of 50,200 around Australia.

These were the 10 QLD regions with the most car thefts:

10 Areas for QLD Car Theft (year ending March 2016)

LGA

Number of car thefts

Brisbane

1,891

Gold Coast

1,509

Logan

898

Townsville

644

Moreton Bay

608

Cairns

472

Ipswich

383

Sunshine Coast

366

Toowoomba

238

Mackay

170

Source: National Motor Vehicle Theft Reduction Council

QLD Road Weather Dangers

Queensland is well-known for its wild summer storms. The sub-tropical climate along the east coast can often dish up some of the most ferocious displays of strong winds, thunder, lightning and pouring rain you’re ever likely to experience anywhere else in the world.

If a road is flooded in Queensland, do not even attempt to drive through it unless it is an emergency. Water damage can easily write your car off. Flooded roads are also very dangerous. Queensland Fire and Emergency Services have been running “if it’s flooded, forget it” campaigns to remind people.

During Queensland’s storm season (November-April), keep up to date with the latest weather warnings through BOM and avoid parking beside trees. Also get your car under cover as soon as you hear of a hail threat.

When driving in rain, turn your headlights on and double your braking distance to 4 seconds.

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. Consider the product disclosure statement before making a purchase decision. Canstar provides an information service. It is not a credit provider, and in giving you information about credit products Canstar is not making any suggestion or recommendation to you about a particular credit product. Statistics referenced on this page have been verified by Canstar Research. Research provided by Canstar Research AFSL and Australian Credit Licence No. 437917.